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This tool compares the total cost of keeping multiple credit cards with consolidating the debts into one card. Debt consolidation allows a borrower to combine payments to various creditors into a single loan, hopefully at a favorable interest rate. In this case, all the other creditors are assumed to be credit card companies.

Berlin Sltotem Red Vintag Women's bag Liebeskind Total cost is discounted to present value, which is the value of a payment, or series of payments, in today's dollars.

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Advertiser Disclosure: The credit card offers that appear on the website are from credit card companies which myFICO receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not include all credit card companies or all available credit card offers.

? Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer?s website. Once you click apply for this card, you will be directed to the issuer?s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

An Industry Standard – FICO Scores are used in more than 90% of lending decisions

IMPORTANT INFORMATION: All FICO
® Score products made available on myFICO.com include a FICO
® Score 8, and may include additional FICO
® Score versions. Your lender or insurer may use a different FICO
® Score than the versions you receive from myFICO, or another type of credit score altogether.
Learn more about other FICO Score versions

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
FTC's website on credit.

IMPORTANT INFORMATION: All FICO
® Score products made available on myFICO.com include a FICO
® Score 8, and may include additional FICO
® Score versions. Your lender or insurer may use a different FICO
® Score than the versions you receive from myFICO, or another type of credit score altogether.
Learn more about other FICO Score versions

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.